Published: 2026-08-01

Pengaruh Literasi Keuangan, Lifestyle, dan Sikap Keuangan Terhadap Perilaku Keuangan Mahasiswa di Universitas Mega Buana Palopo

DOI: 10.35870/jemsi.v12i4.6601

Silvira Silvira, Samsul Bachri, Duriani Duriani
  • Silvira Silvira: Universitas Muhammadiyah Palopo
  • Samsul Bachri: Universitas Muhammadiyah Palopo
  • Duriani Duriani: Universitas Muhammadiyah Palopo
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Abstract

This study aims to analyze the influence of financial literacy, lifestyle, and financial attitudes on the financial behavior of students at Universitas Mega Buana Palopo. The background of this research is the growing trend of consumptive and hedonistic lifestyles driven by social media and the convenience of online shopping, which often results in less optimal financial management among students. The research method employs a quantitative approach with respondents consisting of students from Universitas Mega Buana Palopo who come from diverse economic backgrounds and demonstrate a high level of technology utilization. The independent variables in this study include financial literacy, lifestyle, and financial attitudes, while the dependent variable is students’ financial behavior. The literature review indicates that financial literacy, lifestyle, and financial attitudes significantly influence financial behavior. A sound understanding of financial concepts, a controlled lifestyle, and disciplined as well as responsible attitudes are key factors in shaping healthy financial behavior among students. The results of the discussion show that financial literacy and financial attitudes have a positive and significant contribution to forming healthy financial behavior, where a good understanding of financial concepts and a disciplined attitude help students manage budgets more systematically. Conversely, lifestyle was found to have no significant effect on the financial behavior of students at Universitas Mega Buana Palopo. This is presumably because the average income of students is at a similar level, leading them to prioritize essential needs over personal desires or mere lifestyle trends. Simultaneously, financial literacy, lifestyle, and financial attitudes contribute 87.2% to students' financial behavior. This research is expected to support the improvement of literacy and personal financial management in higher education institutions.

Keywords

Financial Literacy; Lifestyle; Financial Attitudes; Financial Behavior

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Silvira, S., Bachri, S., & Duriani, D. (2026). Pengaruh Literasi Keuangan, Lifestyle, dan Sikap Keuangan Terhadap Perilaku Keuangan Mahasiswa di Universitas Mega Buana Palopo. JEMSI (Jurnal Ekonomi, Manajemen, Dan Akuntansi), 12(4), 3270-3282. https://doi.org/10.35870/jemsi.v12i4.6601
Article Information

This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.

  • Issue: Vol. 12 No. 4 (2026)

  • Section: Articles

  • Published: 2026-08-01

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Author Biographies
Silvira Silvira, Universitas Muhammadiyah Palopo
Google Scholar ResearchGate ORCID

Ekonomi dan Bisnis, Universitas Muhammadiyah Palopo, Jl. Jendral Sudirman, Indonesia.

Samsul Bachri, Universitas Muhammadiyah Palopo
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Ekonomi dan Bisnis, Universitas Muhammadiyah Palopo, Jl. Jendral Sudirman, Indonesia.

Duriani Duriani, Universitas Muhammadiyah Palopo
Google Scholar ResearchGate ORCID

Ekonomi dan Bisnis, Universitas Muhammadiyah Palopo, Jl. Jendral Sudirman, Indonesia.

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